Proof of Address

When proof of address (POA) is required, accepted documents, and criteria.

When it’s required

At Tier 1, the region the customer resides in decides whether they are asked for a document.

Region	When it’s required
USA	Only when the ID document is a passport or a residence permit, was not issued by the US, its state does not match the address the customer gave, or the document or device IP country is a high-risk or prohibited jurisdiction. A US driver’s license or state ID, from a US IP, with a matching state, needs nothing.
EEA	Only when the ID document country is outside the EU/EEA, or the device IP country is a high-risk or prohibited jurisdiction.
UK	Only when the ID document country differs from the residence country, a residence permit lacks or mismatches address data, or the IP country is a high-risk jurisdiction.
Rest of world	Always, including Australia. Not required in Brazil, Mexico and Colombia when public data confirms the address from the customer’s national number: CPF (BRL), CURP or RFC (MXN), Cédula (COP). Requested only when no match is found.

Proof of address is always required at Tier 2, for high-risk customers, and as part of the Enhanced Due Diligence set when a customer hits a spending limit. See Limits and minimums for the EDD triggers and the 24-hour window to submit documents.

Accepted documents

Identity documents are accepted as proof of address: passport, national ID card, residence permit, or driver’s license. The 3-month rule does not apply to them.

All other documents must be issued within the last 3 months:

• Utility bill (electricity, gas, internet, landline, water)
• Bank or credit card statement
• Tax invoice
• Mortgage statement
• Certificate of voter registration
• Signed, current lease agreement
• Employer’s certificate (payslips not accepted)
• Other government-issued residential document

Criteria

• Shows the customer’s full name and complete residential address (no PO boxes)
• Shows the issuing entity’s name and issue date
• Entire document visible, as an original photo or PDF

Not accepted: screenshots, spreadsheets, medical bills, insurance statements. A payslip is not accepted for POA, but it is accepted for source of wealth.